Finance Tools

Break-Even Calculator

Estimate the break-even point based on fixed costs, variable cost per unit, and selling price per unit.

Rent, salaries, overhead
Materials, direct labour, etc.
Selling price
Enter your values and calculate the result.
Calculation logic
Contribution margin per unit = price per unit − variable cost per unit
Break-even units = fixed costs / contribution margin per unit
Break-even revenue = break-even units × price per unit

Payback Period Calculator

Estimate how long it takes to recover the initial investment from constant annual net cash inflows.

Use a positive amount
Expected constant net inflow per year
Enter your values and calculate the result.
Calculation logic
Payback period = initial investment / annual cash flow
The result is shown as an exact value in years and as an approximate years + months view.

ROI Calculator

Calculate return on investment based on the initial amount invested and the final value received.

Capital invested upfront
Including repayment of principal
Enter your values and calculate the result.
Calculation logic
Profit = final value − initial investment
ROI = (profit / initial investment) × 100

Internal Rate of Return (IRR) Calculator

Enter an initial investment at t=0 and up to five annual cash flows. The initial investment is treated as an outflow (negative).

Use a positive amount
Net inflow after year 1
Net inflow after year 2
Net inflow after year 3
Optional additional inflow
Optional additional inflow
Enter your values and calculate the result.
Calculation logic
IRR is the discount rate r such that NPV(r) = 0.
This version uses a bisection search with automatic bracket expansion to estimate the rate.

NPV & Annual Value Calculator

Calculate net present value and equivalent annual value based on discount rate, initial investment, annual cash flow, commissioning delay, and economic life.

Percent per year
Use a positive amount
Expected yearly inflow
0 = cash flow starts next year
Total years of cash inflow
Enter your values and calculate the result.
Calculation logic
NPV = −I0 + Σ [CF / (1 + r)n]
Equivalent annual value converts the NPV into a constant yearly amount over the economic life.
Commissioning delay shifts the first discounted cash flow into the future.

Leverage Effect Calculator

Estimate how debt financing affects return on equity based on total return on assets, separate interest rates for equity and debt, and capital structure.

Percent
Percent
Percent
Shareholder capital
Borrowed capital
Enter your values and calculate the result.
Calculation logic
Classic leverage formula:
rE = rG + (rG − i) × D / E

Weighted average capital cost:
k = (rE,base × E + i × D) / (E + D)

A positive leverage effect exists when rG is greater than the debt interest rate.

Weighted Average Cost of Capital (WACC) Calculator

Compute the weighted average cost of capital based on the mix of equity, debt and corporate tax rate.

Market value or assumed value of equity capital
Required annual return on equity
Market value or assumed value of debt capital
Annual financing cost before tax
Optional. Used to adjust debt cost after tax
Enter your values and calculate the result.
Calculation logic
WACC = (E / (D + E)) × Re + (D / (D + E)) × Rd × (1 − T)
All rates are annual percentages. If tax is left empty, it defaults to 0%.

Loan Calculator

Calculate monthly payments, total interest, effective term, and an amortisation schedule for either a classic annuity loan or a fixed monthly principal repayment structure.

Principal borrowed
Percent per year
Years, used for annuity mode
Optional, activates principal mode
Enter your values and calculate the result.
Calculation logic
Annuity mode: fixed monthly payment over a defined term.
Principal mode: fixed monthly principal repayment plus declining monthly interest.
The result includes a full amortisation schedule and an Excel-ready copy option.

Scenario Risk Calculator

Enter up to three scenarios with their NPVs and probabilities to estimate expected NPV and risk metrics.

Scenario 1
Best-case or upside scenario
Net present valuePercent
Scenario 2
Most likely or base scenario
Net present valuePercent
Scenario 3
Worst-case or downside scenario
Net present valuePercent
Enter at least one scenario and calculate the result.
Calculation logic
Expected NPV = Σ (probability × scenario NPV)
Variance = Σ (probability × (NPV − expected NPV)²)
Standard deviation = √variance
Coefficient of variation = standard deviation / |expected NPV|

Fisher Equation Calculator

Convert a nominal interest rate into a real interest rate by adjusting for inflation.

Percent per year before inflation adjustment
Percent per year
Enter your values and calculate the result.
Calculation logic
ireal = (1 + inom) / (1 + π) − 1
This is the exact Fisher equation, not the linear approximation.

Baldwin Interest Rate Calculator

Estimate a simplified Baldwin interest rate as a risk-adjusted comparison rate based on present worth and equivalent annual worth.

Current value in currency units
Annual value in currency per year
Optional, percent per year
Enter your values and calculate the result.
Calculation logic
Simplified Baldwin rate ≈ EAW / PW
Baldwin rate (%) = (EAW / PW) × 100
If a base comparison rate is provided, the spread is shown in percentage points.

Compound Interest Calculator

Estimate investment growth with compound interest and monthly contributions.

Starting amount
% p.a.
Years
Optional
Enter your values and calculate the result.
Calculation logic
Monthly compounding with end-of-month contributions.
Final value = future value of principal + future value of contributions.

Project Portfolio Optimizer

Enter your total investment budget and up to four projects. The calculator identifies the combination with the highest total NPV that remains within the budget.

Maximum amount available across all projects
Project 1
First project under consideration
Project 2
Second project under consideration
Project 3
Third project under consideration
Project 4
Fourth project under consideration
Enter your budget and project values to calculate the best programme.
Calculation logic
The calculator checks all possible project combinations and selects the feasible combination with the highest total NPV.
This version uses a simple brute-force search over 24 possible project selections.

NPV Sensitivity Table Calculator

Generate a sensitivity table for net present value across a range of discount rates.

Lower bound of the discount rate range
Upper bound of the discount rate range
Increment between discount rate rows
Investment today as a positive amount
Expected constant yearly net inflow
Delay until the first cash flow starts
Number of annual cash flow periods
Enter your values and generate the sensitivity table.
Calculation logic
NPV = −I0 + Σ CF / (1 + r)n
Cash flows are assumed constant each year and can be shifted by the commissioning delay.

Disclaimer